ประกันสุขภาพเหมาจ่าย, ประกันสุขภาพแผนอัลตราแคร์

 

UltraCare

Hospitalisation covered in full, up to THB 200m per year
Worldwide excluding the U.S. cover
  • Cashless billing for inpatient treatment (within network)
  • Obtain unlimited health and well-being advice from qualified doctors via telemedicine service*
  • No claims discounts of up to 25% at renewal

Remark:​

*Available only for telemedicine providers within the company's network. To use Allianz Ayudhya’s proprietary telemedicine service please contact 02 677 0999.

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Coverage/Benefits

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Benefits Plans
Thailand UltraCare Standard Select Comprehensive Elite
Overall Plan Limit THB10 million THB60 million THB100 million THB160 million THB200 million
Coverage Area Worldwide exc. USA Worldwide exc. USA Worldwide exc. USA Worldwide exc. USA Worldwide exc. USA
Excess Options No excess in Thailand. THB68,000 excess applicable to inpatient treatment outside of Thailand only Yes Yes Yes Yes
Underwriting Options for individuals 24-month moratorium 24-month moratorium 24-month moratorium 24-month moratorium 24-month moratorium
Cancer Care Paid in Full Paid in Full Paid in Full Paid in Full Paid in Full
Inpatient & Daycare Treatment (Includes hospital accommodation, medical practitioners’ fees, nursing fees, prescribed drugs and dressings) Paid in Full Paid in Full Paid in Full Paid in Full Paid in Full
Outpatient Treatment (includes medical practitioners' fees, prescribed drugs and dressings) THB60,000 (MRI, PET, CET scans are paid in full) Not covered THB200,000 THB400,000 Paid in Full
Outpatient Surgery Paid in Full Paid in Full Paid in Full Paid in Full Paid in Full
Physiotherapy Yes
(in and outpatient)
inpatient & post-hospitalization only Yes
(in and outpatient)
Yes
(in and outpatient)
Yes
(in and outpatient)
Complimentary Medicine Not covered Not covered Yes Yes Yes
Psychiatric Treatment (subject to waiting period) Not covered Not covered THB40,000 for outpatient treatment THB400,000 inpatient / THB80,000 outpatient Paid in full for inpatient/THB400,000 outpatient
Maintenance of Chronic Conditions Paid up to a lifetime limit of THB2,720,000 Not covered Paid up to a lifetime limit of THB3 million Paid up to a lifetime limit of THB6 million Paid up to a lifetime limit of THB12 million
Terminal Care Paid up to a lifetime limit of THB2,720,000 Not covered Paid in Full Paid in Full Paid in Full
Medical Evacuation and Repatriation Paid up to THB3.4 million Paid in Full when needed for inpatient, daycare or cancer treatment Paid in Full Paid in Full Paid in Full
Wellness Not covered Not covered Not covered THB28,000 (routine health checks and vaccinations) THB40,000 (routine health checks and vaccinations)

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Personal Accident Add-on Plan (PA) Sum Insured (Thai Baht, paid for each unit)
Aged 0 - 17 Aged 18 and over
Overall plan limit 100,000 1,000,000
Accidental death benefit 100,000 1,000,000
Total loss of sight of one eye 20,000 200,000
Total loss of sight of both eyes 100,000 1,000,000
Permanent disablement
Permanent loss of use of one or more feet, hands, legs, below the knee or arms below the elbow 30,000 300,000
Permanent loss of use of one or more legs above the knees or arms above the elbow 100,000 1,000,000
Permanent total disablement 100,000 1,000,000

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Maternity Add-on Plan (MA) Sum Insured (Thai Baht, Area2)  
Overall plan limit 68,000,000
Normal uncomplicated pregnancy and childbirth 340,000
Complications during pregnancy and childbirth Paid in full
Birth defects 1,360,000
Terminating a pregnancy Paid in full
Newborn child accommodation Paid in full
Local ambulance Paid in full
  •  Eligible for persons aged 18 to 74 years.
  • Dependent children aged 18 to 24 must be in continuous full-time education and be unmarried.
  • Term Health Insurance: Yearly Basis.
  • Acceptance is subject to underwriting assessment
  • Telemedicine
  • Dedicated claims and administrative teams exclusively for UltraCare members
Health insurance premium is eligible for tax-deductible benefit, in accordance with the terms and condition prescribed by the Revenue Department.
  • ​​The applicant is advised to always study details of coverage and conditions carefully before deciding to buy insurance. After receiving the insurance policy, the insured is advised to study the terms and conditions of the policy contract.
  • It is the responsibility of the Insured to make premium payments. Insurance agencies and brokers only facilitate the service.
  • Should coverage provided by any insurance policy be in violation of any United States (US), United Nations (UN) of European Union (EU) economic or trade sanctions, such coverage shall be null and void. For example, we cannot pay for healthcare services provided in a country under sanction by the United States unless permitted under a written Office of Foreign Assets Control (OFAC) license. Learn more on the US Treasury’s website at:  www.treasury.gov/resource-center/sanctions

Pre-existing medical conditions or related medical conditions may be covered after you have had 24 months' continuous cover under the plan and within that time you have not:

  • experienced symptoms;
  • asked for advice; or
  • needed or received treatment, medication, or a special diet.

If you have;

  • experienced symptoms;
  • asked for advice; or
  • needed or received treatment, medication, or a special diet.

then you will have to wait until you  have completed a continuous 24-month period when none of these apply to you. Pre-existing medical conditions or related medical conditions may then be covered. This is the rolling part of the moratorium.